I doubt your hypothetical woman is confronting someone.
Self-defense is one thing; chasing someone down is entirely different. My wife might carry, but she’s not going to go up to a bad actor and try to restrain or arrest them. Everyone has a right to self-defense, to playing cop, no.
“Hypothetical” women use firearms off-property more than you might think.
https://bearingarms.com/tom-k/2017/09/22/women-defends-self-gun-gets-suspended-work/
You will be glad to know she was punished.
My earlier post questioned your legal analysis: “If I walk up to you (for ANY reason other than you being on my property), pull a gun, and it goes off killing you, I am 100 percent at fault.”